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Thread: When to Cancel vs. When to Downgrade?
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Old Dec 25, 2012 | 6:02 pm
  #20  
YourNameHere
10 Years on Site
 
Join Date: Jul 2010
Posts: 163
Originally Posted by oneworld82
If I applied for a card somewhere around mid-September, when should I cancel it? BEfore Mid-September 2013 or before the end of Sep 13 to avoid the annual fee?

Thanks!
I wait until the annual fee appears on my monthly statement, then call to see if they can waive the annual fee (hasn't happened yet) or give me a retention offer that makes it worth keeping the card. If nothing is forthcoming, I tell them I want to cancel the card. In every case, when I cancel the card, I did not have to pay the annual fee.
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